Daycare Insurance

Daycare Insurance Information

DO I NEED CHILD CARE INSURANCE?

If you've been thinking about providing day care in your home for other people's children, you've probably also wondered whether you need some kind of insurance. A child care center or nursery school must have liability insurance to become licensed by the Department of Health and Human Services (DHHS). Anyone who provides child care in his or her own home is not required by DHHS to have liability insurance to become licensed. Although DHHS does not require liability insurance, a family child care provider may be required by his or her homeowners insurance company to have business liability insurance in order to avoid cancellation or nonrenewal of the homeowners policy.

WHY DO I NEED A SPECIAL POLICY IF I ALREADY HAVE RENTERS OR HOMEOWNERS INSURANCE?

Your homeowners policy probably excludes any loss arising out of any business conducted in your home, including child care. Therefore, protect yourself and ensure that the children in your care are covered for injuries and incidents that may occur while in your care, you should consider a liability insurance policy to cover the daycare business. Having appropriate business liability insurance will also help you keep your home insured.